农村地区资金大量外流和贷款难问题,已成为农村经济发展的直接障碍.农村金融市场的放开虽然可缓解这些问题,但却很难提高农业的生产率,不能促进农民收入的长期增长.要提高农业生产率,政府除了利用工业反哺农业及促进农民从农业向工业转移之外,还须促进土地流转和支持农民创业,以达到农民收入增长的目的.“,”The large of Capital outflow and the difficult of loan in rural area have become direct obstacle for the development of rural economy.The openness of rural financial market could alleviate the problem of capital outflow and loan difficulty,but it is hard to improve the productivity of agricultural and facilitate the long run growth of farmer's income.In order to improve the productivity,the government not only utilizes industry to reversal feeding agricultural and make farmer transferring to industry,but also facilitates the moving of land and sustain the farmer to establish a business,achieves the aim of the farmer's income growth.